Thanks for the excellent advice, especially thank you nlarkin for your own story with F J, signed documents are now in the safe(!) hands of the post office and winging their way to their offices. BTW nlarkin I agree with Melanie that you should share your experience with F J to a wider audience...it...

Firstly thanks for all the replies, it has been a little stressful trying to sort out the right IP, but the above comments have helped to calm my fears :) I have been told that if in the unlikely event that my IVA proposal fails then I have 14 days to claim the money back, or alternatively it could ...

Hello all This is my first post so please be gentle with me :-) I finally took the plunge and investigated debt management and IVA's, spoke to a nice man at Think Money and they suggested an IVA as my best option. I was referred to Freeman and Jones who have sent me the relevant documents to fill in...